This document shows the balance sheets of major Peruvian banks as of December 31, 2000. It lists earning assets such as quick assets, loans, and investments totaling $15.5 billion. Liabilities included deposits totaling $12.3 billion and borrowed funds of $3.7 billion, for total expensive liabilities of $16 billion. The net earning assets for all banks was negative $448 million, or -2.2% of total assets. Individual bank net earning assets ranged from +30% to -19% of their total assets.

1. EARNING ASSETS vs. PERU December 31, 2000
EXPENSIVE LIABILITIES SHEET US $000
Commercial Banking System
EARNING ASSETS CONTNT INTBNK CRDTO WIESE SUDAM CITIBANK STDCHT BOSTON BNP BSCH COMER BIF FINAN LATINO NBK NVOMDO TOTAL
QUICK ASSETS 903,787 155,975 1,346,388 727,626 93,722 201,768 30,729 43,809 11,136 228,749 31,662 38,650 21,769 34,235 32,539 75,666 3,978,210
Cash & Legal Reserves 107,844 56,161 145,888 87,858 6,394 18,415 2,414 7,439 16 34,168 5,836 4,743 6,408 8,293 8,911 6,580 507,370
Due from Banks-Demand 795,943 99,813 1,200,500 639,768 87,328 183,353 28,315 36,369 11,119 194,581 25,826 33,907 15,361 25,942 23,628 69,086 3,470,840
LOANS 1,442,035 672,553 2,372,230 1,961,282 428,916 455,214 84,147 180,611 12,701 732,131 151,179 223,872 163,032 123,592 310,900 428,343 9,742,739
Call Loans to Domestic Banks 47,459 - 3,151 - 6,274 4,000 10,814 10,227 - 852 2,273 2,301 1,136 991 - - 89,478
Overdrafts 35,898 31,819 152,505 190,567 35,371 68,713 1,051 521 791 23,155 21,563 19,544 6,043 30,241 14,454 28,847 661,083
Bills & Discounts + Promisory Notes 1,100,973 550,376 1,887,108 1,615,464 257,837 334,552 65,874 119,920 7,684 200,891 97,506 126,692 80,717 55,664 173,645 189,142 6,864,046
Mortgage Bills Financing 144,939 37,273 185,415 71,727 66,789 32,812 - 18,876 - 204,364 - 28,512 2,522 6,976 14,556 20,590 835,352
Other Loans + Leasings 112,766 53,084 144,051 83,525 62,645 15,137 6,409 31,067 4,226 302,868 29,838 46,823 72,614 29,719 108,244 189,764 1,292,780
Interest & Commission-Unearned - - - - - - - - - - - - - - - - -
INVESTMENTS 232,530 111,520 334,176 774,489 23,219 25,376 22,507 6,847 1,012 184,075 9,266 11 2,181 63,959 18,250 13,661 1,823,078
Marketable Securities 187,302 7,737 163,835 (399,910) 20,112 20,278 17,268 6,837 1,003 28,169 5,593 - 2,149 53,409 14,790 13,661 142,232
Investments 45,228 103,783 170,341 1,174,400 3,108 5,098 5,239 10 9 155,906 3,672 11 32 10,550 3,460 - 1,680,846
TOTAL EARNING ASSETS 2,578,352 940,047 4,052,794 3,463,398 545,858 682,358 137,383 231,267 24,849 1,144,955 192,106 262,534 186,982 221,786 361,690 517,670 15,544,028
DEPOSITS 2,481,420 750,403 3,773,499 2,531,071 301,472 400,112 108,196 117,489 2,365 764,811 166,950 101,864 105,644 240,499 234,428 254,898 12,335,122
Demand Deposits 318,420 80,505 671,254 360,798 36,186 137,882 18,695 11,350 1,389 113,109 21,557 17,863 6,423 32,654 30,414 16,793 1,875,292
Savings 485,135 212,242 1,358,288 679,575 63,952 86,561 13,138 - - 175,003 26,976 6,938 26,878 76,877 44,168 29,362 3,285,093
Time Deposits (Incl. CTS+FCBC) 1,649,523 355,550 1,664,783 1,317,788 195,151 156,634 75,588 99,433 914 411,632 111,695 73,216 64,901 117,088 140,102 183,768 6,617,764
Deposits in Guarantee - - - - - - - - - - - - - - - - -
Other Deposits 28,341 102,106 79,174 172,911 6,184 19,035 774 6,706 63 65,068 6,722 3,847 7,443 13,880 19,744 24,975 556,973
BORROWED FUNDS 89,919 340,148 241,270 1,133,712 256,674 193,516 13,044 89,428 14,053 420,475 32,270 168,943 83,427 75,082 204,512 300,852 3,657,324
- Call Loans from domestic banks 1,420 980 1,420 15,767 2,068 20,170 - 11,245 5,196 8,523 - - - 4,957 - 852 72,601
- Financing from banks & Central Bank 88,498 339,168 227,633 1,117,927 253,708 173,346 13,044 78,183 8,857 411,873 32,270 168,891 83,363 70,081 204,512 247,213 3,518,567
- Bonds & Mortgage bills outstanding - - 12,216 17 897 - - - - 79 - 52 63 43 - 52,787 66,156
EXPENSIVE LIABILITIES 2,571,339 1,090,551 4,014,769 3,664,783 558,146 593,628 121,240 206,917 16,418 1,185,286 199,220 270,807 189,071 315,581 438,940 555,750 15,992,446
NET EARNING ASSETS 7,013 (150,504) 38,025 (201,385) (12,288) 88,729 16,143 24,349 8,430 (40,331) (7,114) (8,273) (2,089) (93,795) (77,250) (38,080) (448,418)
N.E.A./TOTAL ASSETS 0.2% (11.1%) 0.8% (4.5%) (1.9%) 10.5% 8.9% 7.5% 30.0% (2.6%) (2.8%) (2.5%) (0.7%) (19.0%) (13.3%) (5.1%) (2.2%)
TASA DE CAMBIO (S/. 1 x US$) $ 0.284
PCC=[PASIVOS CON COSTO]PRODUCTIVO]
ACT.NO-PROD= [ACTIVO NO EL= EXPENSIVE LIABILITIES
APN= [ACTIVO PRODUCTIVO NETO] NEA= NET EARNING ASSETS
Source: Superintendencia de Banca y Seguros del Peru
Jorge Romani Page 1
Ph: +51(1) 919-8252 romani@terra.com.pe 1/29/2011 SFN-1200 EARNING ASSETS1200